Exhibit 31.2

                                  CERTIFICATION

I, Martin G. Chilek, Chief Financial Officer of Delta Mutual, Inc. (the
"Company"), certify that:

1.   I have reviewed this annual report on Form 10-KSB of Delta Mutual, Inc.;

2.   Based on my knowledge, this annual report does not contain any untrue
     statement of material fact or omit to state a material fact necessary to
     make the statements made, in light of the circumstances under which such
     statements were made, not misleading with respect to the period covered by
     this annual report;

3.   Based on my knowledge, the financial statements, and other financial
     information included in this annual report, fairly present in all material
     respects the financial condition, results of operations and cash flows of
     the Company as of, and for, the periods presented in this annual report;

4.   The Company's other certifying officer and I are responsible for
     establishing and maintaining disclosure controls and procedures (as defined
     in Exchange Act Rules 13a-14 and 15d-14) for the company and have:

     a)  designed such disclosure controls and procedures, or caused such
         disclosure controls and procedures to be designed under our
         supervision, to ensure that material information relating to the
         Company, including its consolidated subsidiaries, is made known to us
         by others within those entities, particularly during the period in
         which this annual report is being prepared;

     (b) designed such internal control over financial reporting, or caused such
         internal control over financial reporting to be designed under our
         supervision, to provide reasonable assurance regarding the reliability
         of financial reporting and the preparation of financial statements for
         external purposes in accordance with generally accepted accounting
         principles;

     (c) evaluated the effectiveness of the Company's disclosure
         controlseffectiveness of the disclosure controls and procedures, as of
         the end of the period covered by this report based on such evaluation;
         and

     (d) disclosed in this report any change in the Company's internal control
         over financial reporting that occurred during the Company's most recent
         fiscal quarter (the Company's fourth quarter in the case of an annual
         report) that has materially affected, or is reasonably likely to
         materially affect, the Company's internal control over financial
         reporting; and
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5.   The Company's other certifying officer(s) and I have disclosed, based on
     our most recent evaluation of internal control over financial reporting, to
     the Company's auditors and the audit committee of the Company's board of
     directors (or persons performing the equivalent functions):

     (a) all significant deficiencies and material weaknesses in the design or
         operation of internal control over financial reporting which are
         reasonably likely to adversely affect the Company's ability to record,
         process, summarize and report financial information; and

     (b) any fraud, whether or not material, that involves management or other
         employees who have a significant role in the Company's internal control
         over financial reporting.



Date:  April 14, 2005                    /s/ Martin Chilek
                                     --------------------------------
                                        Martin G. Chilek
                                        Chief Financial Officer